Multiplan Insurance for Drug & Alcohol Rehab

If you have a Multiplan logo on your insurance card it means that you are part of the Multiplan network. This means that your health plan or insurance provider is using Multiplan to enhance its number of in-network providers, giving you a larger range of options to choose from when you seek out medical care. However, Multiplan is not in itself an insurance provider. This means you’ll have a secondary provider or logo on your insurance card in addition to the Multiplan logo.

This means that you can go to any provider in the Multiplan network to receive additional discounts on your rehab treatment. That can further reduce costs over “just” your insurance. In addition, the Multiplan network is dedicated to ensuring that treatment is low cost and accessible, meaning it works with PPO plans to ensure you can get the best rates.

Does Multiplan Insurance Cover Drug & Alcohol Treatment?

Multiplan is a health provider network with 1.2 million healthcare providers on contract across the United States. This makes it one of the largest PPO networks in the world. Among those are several thousand clinics and centers specializing in drug and alcohol rehab and treatment including inpatient and outpatient care centers.

However, Multiplan does not directly offer any treatment or coverage itself. Instead, you’ll have a contract with a separate PPO (Preferred Provider Organization) health plan which you’ll have to check for exact rates and deductibles. Here, it’s important to check your plan as rates, deductibles, and coinsurance can vary significantly between plans. In either case, opting for an in-network provider with your insurance will result in the lowest out of pocket costs.

What is a PPO?

A preferred provider organization is a health insurance plan provider that negotiates lower rates with a list of pre-contracted health providers. Multiplan is a network of those health providers, who have all contracted to provide healthcare services including rehab services, at a discount to anyone holding a Multiplan insurance card. This means you can get lower rates than you would by walking into the same treatment center without a Multiplan card. How much? That often depends on your plan. However, in network rates can be as much as 60% lower depending on the organization.

Which PPO Do Multiplan Work With?

Multiplan works with a large range of healthcare providers, meaning it is very likely you are on its network.

This includes:

This means that if you have a Medicare or Medicaid card, you can use the Multiplan network. In addition, if your insurance card has the Multiplan logo, you can use the Multiplan network. Otherwise, you can’t likely use the network with its discounts.

If you’re not sure if your provider leverages the Multiplan network, you can always call the provider to ask. Multiplan typically works with large and small insurance companies, although contracts vary quite a bit from year to year. Therefore, check with your provider to be sure.

What Are Your Costs with Multiplan?

Multiplan negotiates rates down for its in-network providers. However, your actual rates will depend on your plan and your provider. In most cases, plans average out to about the following rates no matter the provider. However, there will be differences in copays, deductibles, and coinsurance to consider that will add/detract from this rate.

• Bronze – You pay about 40% / Provider pays about 60%
• Silver – You pay about 30% / Provider pays about 70% (you have this is you have an HSA)
• Gold – You pay about 20% / Provider pays about 80%
• Platinum – You pay about 10%/ Provider pays about 90%

In addition, you’ll typically have a deductible of at least $1,600. However, your maximum out of pocket costs (for an individual) are typically set as $7,500 – as these are the requirements set by the IRS for your insurance program to qualify for HSA and most providers want to meet that qualification. Therefore, you can expect those rates at maximum but potentially better depending on your plan.

In general, you’ll also have a copay of up to 50% when going to an inpatient rehab center. This means you might pay as much as 50% of total costs that don’t contribute to your deductible or your maximum out of pocket costs – because the cost of the inpatient rehab might be more than the provider is willing to pay. On the other hand, that’s rarely the case with outpatient treatment, where you’ll typically have a much smaller coinsurance. However, some insurance providers treat inpatient and outpatient providers the same.

How to Start Rehab with Multiplan?

If you’re going to a rehab center in the Multiplan network, you can go to it as you would to any other healthcare center covered under your insurance plan. That normally means checking with the rehab facility to ensure they are part of the network and that they accept your insurance. Then, you can contact your insurance provider or your doctor to request a referral and preauthorization. From there, you should be able to simply show up, show your card, and be ready for treatment. There’s nothing more complicated to consider.